Payment Services Company Seeking Loan in Envigado, Colombia
Profitable LATAM cross-border payment platform seeking a loan to fund merchant liquidity and scale.
| Established | 1-5 year(s) |
| Employees | 10 - 50 |
| Legal Entity | Limited Liability Company (LLC) |
| Reported Sales | USD 300 - 400 thousand |
| Run Rate Sales | USD 960 thousand |
| EBITDA Margin | 30 % |
| Industries | Payment Services |
| Locations | Envigado + 1 more |
| Local Time | 4:21 AM America / Bogota |
| Listed By | Business Owner / Director |
| Status | Active |
Seeking Loan
USD
320 thousand
for
25.0%
annual interest,
5
years
(Native Currency: COP 1,200,000,000)
Reason: Working capital to fund cross-border payment settlement operations. As a payment infrastructure comp...
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Collateral Available: USD 270 thousand
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Business Overview
- Cross-border fintech firm providing proprietary payment infrastructure that enables e-commerce businesses, dropshippers, and digital platforms to collect and disburse funds in local currencies across Latin America.
- TPV (Total Payment Volume) of $36M+ annualized, 100% bootstrapped.
- Revenue comes from a take rate (~2%) on transaction volume plus an FX spread (~0.65%).
- Remaining cash-in markets across 8 countries and cash-out operations in 50 countries leverage automated third-party screening APIs and strategic sponsor-bank partnerships to navigate international financial regulations securely.
- Key clients include platforms like Dropi, Droplatam, and Kiki Latam.
- Exceptional month-over-month total payment volume growth of 15 per cent is driven by near-zero customer acquisition costs and powerful B2B network effects across a growing portfolio of over 65 active merchants.
- Founders with direct experience in e-commerce and crypto operations in LATAM.
- Proprietary payment rails integrate seamlessly via API, messaging applications, and spreadsheet integrations, utilizing a highly scalable cloud infrastructure built with modern web and server technologies.
- Highly automated technology stack allows the business to process massive transaction volumes with a lean team of twelve employees, enabling strong run-rate revenues to be generated with minimal manual intervention.
- Compliance and operational moats are secured through the firm's own financial operating licenses held in three legal entities: SAS (Colombia), AVOI (Brazil), LLC (USA)
- TPV (Total Payment Volume) of $36M+ annualized, 100% bootstrapped.
- Revenue comes from a take rate (~2%) on transaction volume plus an FX spread (~0.65%).
- Remaining cash-in markets across 8 countries and cash-out operations in 50 countries leverage automated third-party screening APIs and strategic sponsor-bank partnerships to navigate international financial regulations securely.
- Key clients include platforms like Dropi, Droplatam, and Kiki Latam.
- Exceptional month-over-month total payment volume growth of 15 per cent is driven by near-zero customer acquisition costs and powerful B2B network effects across a growing portfolio of over 65 active merchants.
- Founders with direct experience in e-commerce and crypto operations in LATAM.
- Proprietary payment rails integrate seamlessly via API, messaging applications, and spreadsheet integrations, utilizing a highly scalable cloud infrastructure built with modern web and server technologies.
- Highly automated technology stack allows the business to process massive transaction volumes with a lean team of twelve employees, enabling strong run-rate revenues to be generated with minimal manual intervention.
- Compliance and operational moats are secured through the firm's own financial operating licenses held in three legal entities: SAS (Colombia), AVOI (Brazil), LLC (USA)
Products & Services Overview
Core product is a cross-border payment processing platform (API, WhatsApp, and Excel-based integrations) that enables e-commerce businesses, dropshippers, and digital platforms to collect and disburse funds in local currencies across LATAM.Clients use the platform to receive payments in countries like Colombia, Mexico, Brazil, Peru, Chile, and Guatemala, and settle in their preferred currency with near-immediate liquidity (T+0 to T+2).
Assets Overview
Tangible assets: No physical assets, operating entirely via scalable cloud infrastructure and a leased office space.Intangible assets: Proprietary cross-border payment processing platform, transaction engine, and API dashboard. Established banking and payment rail integrations across multiple LATAM countries. Financial operating licenses held in Colombia and Brazil. Automated compliance verification systems and cloud infrastructure. Active client base of 65+ merchants and B2B commercial relationships. Brand and domain assets.
Facilities Overview
Registered HQ in Envigado with a leased office in Medellín, Colombia. Approximately 100 sqm, single floor with 3 separate spaces. One-year lease agreement.Additional operations in Brazil (AVOI) and the United States (LLC) are managed remotely.
Capitalization Overview
The business is funded through a combination of bootstrapped capital and debt financing.There is currently one outstanding debt of approximately USD 600,000 with a 10-year term.
The company has 3 shareholders: 1 (45%), 2 (45%), and 3 (10%).
Tags:
Payment Services Company Seeking Loan in Envigado, Colombia
·Payment Services Company Seeking Loan in Cheyenne, USA
·Lend to Payment Services Company in Envigado, Colombia
·Lend to Payment Services Company in Cheyenne, USA
·Payment Services Company Seeking Loan
·Lend to Payment Services Company
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